DCU Routing Number: 211391825
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Auto Loans
Whether your dream car is new or just new-to-you, DCU's auto loans make it easy to hit the road by offering low rates and flexible terms.
FEATURED AUTO LOAN CONTENT
HOW TO SELL A CAR WITH A LOAN
Looking to buy a new or used vehicle but stuck with negative equity? Explore DCU’s guide which details how to sell a car you have a loan on.
AUTO LOANS
Membership Level Discounts
0.50%Included for Plus and Relationship Members with Electronic Payments
ELECTRIC VEHICLE DISCOUNT
0.25%ADDITIONAL DISCOUNT FOR FULLY ELECTRIC VEHICLES
NO PAYMENTS FOR
60 DAYSTAKE ADVANTAGE OF NO PAYMENTS FOR 60 DAYS
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
- You currently work for or retired from a company in our list of participating employers.
- You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
- You currently belong to or join an organization whose members we serve.
- You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Benefits
- For new or used vehicles – with the same low rates.
- Purchase – borrow to buy your next vehicle.
- Affordable payments – the longer the loan term, the lower your monthly payment.
- Additional 0.25% discount – eligible for fully electric vehicles.
- Finance with flexibility – get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.
Auto Loans Rates
Rates listed for new or used cars, trucks, and vans. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 5.74% | $30.30 |
| Up to 48 Months | 5.74% | $23.37 |
| Up to 65 Months | 5.74% | $17.94 |
| Up to 72 Months | 6.24% | $16.69 |
| Up to 84 Months | 7.74% | $15.46 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
How much will my loan payment be?
Plan for Your Auto Loan
Frequently asked questions and answers to help manage and plan for your auto loan.
You must be a DCU member to finalize and fund a vehicle loan, but you can submit your loan application before finalizing membership. If you are not yet a DCU member, you will receive information about how to apply to become a member after you receive your loan decision.
For more information about membership eligibility, visit our membership eligibility page.
No—you do not need to have a vehicle selected before submitting your auto loan application. Some members choose to initiate their application before deciding on a vehicle, so that they know their exact budget and can complete the transaction quickly once they find the right one.
When you apply, you have the option to indicate you don’t yet know the make and model of the vehicle. However, you will be asked to provide an estimate of your loan amount (purchase price less any down payment or trade-in value). If approved, your loan offer will be good for up to the stated amount pending verification of all required documents. When you finalize your loan, you can specify the exact dollar amount you wish to fund.
To apply for an auto loan, you will need the following information:
- Whether the vehicle is new or used
- The estimated loan amount
- The desired term of the loan (options range from 12-84 months; subject to qualification)
- Your personal information (First/Last Name, SSN, Date of Birth), if requested
- Physical and mailing address
- Personal identification (i.e. Driver’s License, Passport Books, etc.)
DCU will no longer be accepting Passport Cards as a form of personal identification.
- Co-applicant information (if applicable)
- Employment status
- Gross monthly income
- Monthly expenses
To finalize and fund your auto loan, you will need to do the following:
- Become a DCU member, if not already a member
- Submit copy of the purchase & sale agreement (for dealer purchases)
- Submit verification of income, if requested
- Submit any additional requested documents
- Finalize funding details (check dollar amount, payment due date, term, interest rate, payment options and to whom the check is payable)
- Sign the Note & Loan Agreement
The timeline for application and funding can vary, depending on how quickly the required documentation is provided. In many instances, we are able to provide instant decisions on applications submitted through our online application. You will receive a notification if further review is needed to decision your application. Once you provide all of the documentation needed to finalize your loan, the check is usually delivered by FedEx within 2-3 business days.
Rates are determined by your personal credit history, loan term, account relationship, and payment method. Members may be eligible for a 0.50% discount by maintaining electronic payments on the loan and Plus or Relationship benefits on your DCU checking account. Rates and terms on loans for other types of vehicles, including mobility vehicles, will differ.
Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc.
Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment. To estimate your monthly payment, try our Monthly Payment Calculator.
Loan to value is the ratio that compares the amount of a loan against the value of the vehicle. Typically, lenders have a “maximum LTV” threshold in place which determines how much of a loan they are willing to finance for a vehicle based on its value. The LTV threshold is based on a number of factors, including the value or price of the vehicle, creditworthiness, vehicle age, mileage and term of the loan.
GAP (Guaranteed Asset Protection) is an optional vehicle loan add on that helps pay off your loan in the event your vehicle is totaled or stolen and you still owe more than the depreciated value. Auto insurance will only cover what the vehicle is worth at the time of the loss. GAP protects you when your auto loan balance exceeds your car's current book value. DCU offers members GAP Advantage through Allied Solutions. GAP Advantage can be purchased for both new and used vehicles, for a reasonable one-time cost of $599.
Other vehicle loan add-on options that DCU makes available to members include:
- Mechanical Breakdown Insurance – An alternative to extended warranties you might purchase from a dealer. Mechanical Breakdown Insurance usually lets you go to your repair shop, whereas dealer warranties limit work to specific dealerships. Visit our Mechanical Breakdown Insurance page for more information.
- Payment Protection Insurance - Helps relieve the financial stress and worry related to making loan payments when your life takes an unexpected turn. Visit our Payment Protection Insurance page for more information about covered events and coverage amounts.
While every member has access to most of our great benefits, the more a member does with DCU, the more those benefits multiply. Check out the information below for a detailed description of benefits by level.
Basic Member Benefits
Every member enjoys these benefits automatically:
- No minimum balances or monthly maintenance fees
- FREE use of 23 DCU Branches in MA/NH - and more than 5,900 shared branches nationwide
- FREE use of 35+ DCU ATMs in MA/NH - and more than 80,000 surcharge-free non-DCU ATMs nationwide.
- FREE use of DCU Online & Mobile Banking - carrier data and message rates may apply
- FREE DCU Visa® Debit Card with EMV chip - upon approval
- FREE eStatements, account alerts and notifications
Plus Member Benefits
Enjoy all the Basic Member Benefits plus:
- Paid up to two days early with Direct Deposit.
- Up to $10 per month ($120 per year) in reimbursements for ATM fees charged by other institutions.
- 0.50% discount on most consumer loans, when the loan is paid with electronic payment.
How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income). If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
Relationship Member Benefits
Enjoy all the Plus Member Benefits and:
- Up to $25 per month ($300 per year) in reimbursements for ATM fees charged by other institutions.
- FREE DCU Custom-style checks (80/year)
How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income) AND make at least 5 transactions per month (qualifying transaction types include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers that clear your account within the same month). If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
You can visit our Vehicle Titles page to find information on the following:
- The difference between title and registration.
- How to give the title to DCU?
- What information needs to be on the title?
- What will happen if the title with DCU listed as lienholder is not received?
- What needs to be done if you move to another state?
- How can you change or remove names on a title?
- What happens to the title after the loan is paid in full?
- What to do if you lose your title after the loan is paid in full?
Contact Us
We’d love to hear from you!
Whether you have questions, feedback, or something else you’d like to share, we’re here to listen.
Because at DCU, people come first.
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853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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